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Upton County FHA Loan Calculator

Adjust the sliders to model your loan in real time. We have prefilled this page with local benchmark averages for Upton County, Texas based on real HMDA transaction records.

Loan Details
Your credit score determines your risk profile. A higher score lowers your interest rate and conventional PMI costs.

Representative Score: 780 (Excellent (Prime)) · FHA uses credit-agnostic pricing

Upton County, TX Benchmarks

FHA averages
Typical Property Value$175,909
Average Down Payment3.3%
Average Interest Rate6.827%
Effective Tax Rate1.07%
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FHA loans require a minimum 3.5% down payment.

Estimated Monthly Payment

$1,518/mo

  • Principal & Interest$1,132
  • Property Tax$157
  • Home Insurance$150
  • FHA MIP$79
Amortization · Remaining Balance

Financed Loan Amount

$173,081

Total Interest

$234,374

Total of Payments

$407,455

*Includes financed FHA Upfront MIP of $2,977

Local Market Insights

Upton County FHA Mortgage Overview

In Upton County, the FHA loan market shows a highly accessible entry point with a 3.30% weighted average down payment on a $175,909 property. This low barrier, combined with a 96.70% LTV ratio, confirms FHA is ideal for buyers with sub-620 credit, though it mandates MIP for the loan's life. The effective 1.07% property tax rate and recent -4.6% inflation-adjusted tax decrease modestly improve monthly affordability. For those using an FHA loan calculator with PMI and taxes in Upton County, TX, the lower tax burden partially offsets the persistent MIP cost, making this a stable, owner-occupied market.

Disclaimer: This calculator provides estimates for educational purposes only and does not constitute a loan offer or financial advice. Actual rates, taxes, insurance, and fees will vary.